The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,201
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,544
−HK$1,366/mo
Today · 4.125%
HK$45,910
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,820/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,349
−HK$1,308/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,327
+HK$2,670/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,841
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$53,453
−HK$1,639/mo
Today · 4.125%
HK$55,092
baseline
▲ 0.50% · 4.625%
HK$58,444
+HK$3,352/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,184/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,672
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$59,219
−HK$1,569/mo
Today · 4.125%
HK$60,788
baseline
▲ 0.50% · 4.625%
HK$63,992
+HK$3,204/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,576/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,481
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,912/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$68,184
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,284
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,089
−HK$1,830/mo
Today · 4.125%
HK$70,919
baseline
▲ 0.50% · 4.625%
HK$74,658
+HK$3,739/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,838/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,761
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,180
−HK$2,457/mo
Today · 4.125%
HK$82,637
baseline
▲ 0.50% · 4.625%
HK$87,666
+HK$5,029/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,274/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,508
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,353/mo
Today · 4.125%
HK$91,182
baseline
▲ 0.50% · 4.625%
HK$95,989
+HK$4,807/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,364/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,457 · Scale 2, in force from 26 Feb 2026)